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(一)发达的市场经济,必然是发达的信用经济,在信用经济的运行体系中,各市场交易主体都需要及时、准确而又在支付较少成本的情况下,获取有关各方的资信状况,这就需要有一个专业的中介组织为他们提供此类服务,资信评估业于是应运而生。近几年,亚洲国家的资信评估事业呈现发展趋势也源于此。我国在培育金融市场初期,一批有识之士即开创了这一项新兴的事业。近几年随着社会主义市场经济体制的确立,特别是证券市场的发展,资信评估组织和机构又有新的发展,一些新建的信评机构起点高、实力强,给信评事业增添了新的活力与希望。目前,全国已有一支初具规模的信评专业力量。他们的工作为发展和完善证券市场,为规范化的信评事业起到了积极的推动作用,并积累了一些有益的经验。但随着形势的发展,也显现出一些与客观需要尚不适应值得进一步探索的问题。一、在机构建设上,缺乏在全国具有权威性的信评组织。
(1) The developed market economy must be a developed credit economy. In the operation system of the credit economy, all the subjects in each market need to obtain the credit status of the parties concerned in a timely, accurate and cost-effective manner , Which requires a professional intermediary organizations to provide them with such services, credit rating industry so came into being. In recent years, the credit evaluation in Asian countries has also shown its trend of development. In the early days of fostering financial markets in our country, a group of people of insight started this emerging undertaking. In recent years, with the establishment of the socialist market economic system, especially the development of the stock market, there have been new developments in credit rating agencies and agencies. Some newly established credit rating agencies have a high starting point and strong strength, which have added a new dimension to credit rating. Vitality and hope. At present, there is a nationwide specialized agency for letters and comments that has begun to take shape. Their work has played a positive role in promoting the development of the securities market and in the standardization of credit appraisals, and has accumulated some useful experiences. However, with the development of the situation, some problems worthy of further exploration that are not suited to the objective needs have also emerged. First, in institutional construction, the lack of authority in the country’s credit rating organizations.